From 1934 to 1968, the Federal Housing Administration’s housing policies created the segregated system of housing as we know it. The FHA made homeownership accessible to White people by guaranteeing their loans, but explicitly refused to back loans to Black people or even other people who lived near Black people. FHA and its other actors’ (lenders, realtors, insurers, etc.) Redlining destroyed the possibility of investment wherever Black people lived.